How is Unadjusted YTD efficiency ratio calculated?

RI 4093 / (4074 + 4079). Null policy: abstain if missing.

What source schedule does Unadjusted YTD efficiency ratio come from?

RI, per official FFIEC Call Report instructions.

How many banks reported Unadjusted YTD efficiency ratio for 2026-06-30?

1046 banks reported a verified value for 2026-06-30. Institutions with an unavailable or unverified value are excluded, never counted as zero.

Earnings & efficiency · Versioned metric research

Unadjusted YTD efficiency ratio

Consolidated income statement; unadjusted regulatory ratio. Matching calendar year-to-date numerator and denominator. Source evidence: metric-source-contract-validation.json SHA256 38fdaa264d855efba9eacd852269d1d5ed33a76f4620c7726d21828dfb5e9a7d Open official FFIEC instructions ↗

v3 definition42 quarters1046 current observationsRATIO unit

Calculation contract

`RI 4093 / (4074 + 4079)`

Source schedule: RI

Null policy: abstain if missing

Effective: 2016-03-31 to 2026-06-30

How every metric is acquired, derived, and validated →

Definition history

Earlier versions of this metric

Each version is a distinct, dated definition — values are never silently recomputed under an older definition.

v2 · 2016-03-31 to 2026-06-30: RI 4093 / (4074 + 4079)Null policy: abstain if missing
v1 · 2016-01-01 to superseded: RI 4093 / (RI 4074 + RI 4079)Null policy: abstain if missing

Reading this page

Percentiles describe position, not merit.

P10 through P90 below mark where 1046 banks' reported unadjusted ytd efficiency ratio values fell for 2026-06-30 — the median (P50) splits that group in half; it is not a target. The trend chart above follows that median quarter to quarter, and the distribution chart traces the full P10–P90 band. A higher or lower reported value is not labeled favorable or unfavorable here — that depends on the metric, the institution's business model, and context this page does not assert.

Accessible line chart

Unadjusted YTD efficiency ratio — covered-bank median

View chart data as a table

Period	Value	Revision	Event
2016-09-30	60.978 percent	No marker	None
2016-12-31	61.355 percent	No marker	None
2017-03-31	62.007 percent	No marker	None
2017-06-30	60.487 percent	No marker	None
2017-09-30	59.937 percent	No marker	None
2017-12-31	60.45 percent	No marker	None
2018-03-31	58.694 percent	No marker	None
2018-06-30	58.311 percent	No marker	None
2018-09-30	58.131 percent	No marker	None
2018-12-31	57.623 percent	No marker	None
2019-03-31	55.283 percent	No marker	None
2019-06-30	55.284 percent	No marker	None
2019-09-30	55.691 percent	No marker	None
2019-12-31	56.282 percent	No marker	None
2020-03-31	58.135 percent	No marker	None
2020-06-30	57.647 percent	No marker	None
2020-09-30	57.182 percent	No marker	None
2020-12-31	58.449 percent	No marker	None
2021-03-31	57.188 percent	No marker	None
2021-06-30	57.484 percent	No marker	None
2021-09-30	57.405 percent	No marker	None
2021-12-31	58.133 percent	No marker	None
2022-03-31	58.53 percent	No marker	None
2022-06-30	57.716 percent	No marker	None
2022-09-30	55.84 percent	No marker	None
2022-12-31	55.311 percent	No marker	None
2023-03-31	56.061 percent	No marker	None
2023-06-30	56.549 percent	No marker	None
2023-09-30	56.606 percent	No marker	None
2023-12-31	58.772 percent	No marker	None
2024-03-31	60.322 percent	No marker	None
2024-06-30	58.781 percent	No marker	None
2024-09-30	59.099 percent	No marker	None
2024-12-31	58.792 percent	No marker	None
2025-03-31	58.199 percent	No marker	None
2025-06-30	57.402 percent	No marker	None
2025-09-30	60.535 percent	No marker	None
2025-12-31	60.137 percent	No marker	None
2026-03-31	59.602 percent	No marker	None
2026-06-30	58.948 percent	No marker	None

Source: FFIEC Call Reports; OptimaYield versioned semantic layer. Color is supplemented by shape and labels; reduced-motion users receive no chart animation.

Historical distribution

Unadjusted YTD efficiency ratio across covered banks

Median with interquartile and P10–P90 ranges across verified observations.

2026-06-30 latest period1,046 observations58.95% median51.15%–67.59% interquartile range

View distribution data as a table

Period	Population	P10	P25	Median	P75	P90
2026-06-30	1,046	42.61%	51.15%	58.95%	67.59%	75.99%
2026-03-31	1,042	43.38%	51.74%	59.60%	68.28%	77.62%
2025-12-31	1,045	44.36%	52.82%	60.14%	68.77%	77.61%
2025-09-30	1,041	43.94%	52.89%	60.54%	69.31%	78.03%
2025-06-30	152	35.85%	50.80%	57.40%	64.00%	71.08%
2025-03-31	155	35.73%	51.25%	58.20%	64.50%	70.41%
2024-12-31	155	34.35%	52.79%	58.79%	65.24%	75.93%
2024-09-30	155	34.87%	52.60%	59.10%	65.98%	74.99%
2024-06-30	154	33.73%	53.30%	58.78%	66.57%	76.28%
2024-03-31	155	33.27%	53.56%	60.32%	67.38%	76.63%
2023-12-31	155	35.86%	52.52%	58.77%	66.39%	75.36%
2023-09-30	153	33.57%	49.53%	56.61%	62.88%	70.93%
2023-06-30	154	33.80%	49.59%	56.55%	62.89%	72.37%
2023-03-31	156	33.64%	49.81%	56.06%	62.83%	73.24%
2022-12-31	154	35.99%	47.22%	55.31%	60.93%	69.02%
2022-09-30	155	35.57%	47.10%	55.84%	61.77%	70.91%
2022-06-30	156	35.95%	47.48%	57.72%	64.22%	71.39%
2022-03-31	158	37.35%	49.52%	58.53%	66.99%	76.06%
2021-12-31	160	37.19%	48.54%	58.13%	63.89%	70.58%
2021-09-30	162	37.14%	48.55%	57.40%	63.05%	70.55%
2021-06-30	160	37.02%	48.83%	57.48%	63.14%	70.41%
2021-03-31	155	37.81%	48.85%	57.19%	63.35%	70.46%
2020-12-31	149	37.52%	48.95%	58.45%	66.07%	76.81%
2020-09-30	148	37.45%	47.94%	57.18%	64.14%	74.68%
2020-06-30	145	35.86%	49.42%	57.65%	64.13%	74.22%
2020-03-31	139	38.73%	50.47%	58.14%	67.25%	75.41%
2019-12-31	139	37.79%	48.69%	56.28%	63.27%	70.79%
2019-09-30	141	37.65%	47.94%	55.69%	63.07%	69.38%
2019-06-30	140	37.73%	48.03%	55.28%	62.50%	69.57%
2019-03-31	139	34.63%	46.30%	55.28%	63.20%	69.94%
2018-12-31	136	37.61%	48.95%	57.62%	63.07%	68.70%
2018-09-30	137	38.23%	48.69%	58.13%	62.73%	68.56%
2018-06-30	133	40.43%	48.95%	58.31%	64.13%	68.93%
2018-03-31	131	40.83%	50.16%	58.69%	65.39%	68.46%
2017-12-31	121	36.05%	49.88%	60.45%	65.50%	72.11%
2017-09-30	123	38.06%	49.94%	59.94%	65.04%	70.56%
2017-06-30	118	36.75%	48.51%	60.49%	65.79%	70.73%
2017-03-31	115	35.62%	49.45%	62.01%	67.00%	72.71%
2016-12-31	111	35.93%	51.07%	61.35%	67.64%	72.09%
2016-09-30	111	36.67%	51.93%	60.98%	67.83%	72.23%

Source: FFIEC Call Reports; OptimaYield versioned semantic layer. Population can change with filings, failures, mergers and eligibility. Missing values are excluded, never converted to zero.

Current distribution

Percentile history

Percentiles exclude unavailable values; they do not convert missing observations to zero.

Period	Population	P10	P25	Median	P75	P90
2026-06-30	1046	42.61%	51.15%	58.95%	67.59%	75.99%
2026-03-31	1042	43.38%	51.74%	59.60%	68.28%	77.62%
2025-12-31	1045	44.36%	52.82%	60.14%	68.77%	77.61%
2025-09-30	1041	43.94%	52.89%	60.54%	69.31%	78.03%
2025-06-30	152	35.85%	50.80%	57.40%	64.00%	71.08%
2025-03-31	155	35.73%	51.25%	58.20%	64.50%	70.41%
2024-12-31	155	34.35%	52.79%	58.79%	65.24%	75.93%
2024-09-30	155	34.87%	52.60%	59.10%	65.98%	74.99%
2024-06-30	154	33.73%	53.30%	58.78%	66.57%	76.28%
2024-03-31	155	33.27%	53.56%	60.32%	67.38%	76.63%
2023-12-31	155	35.86%	52.52%	58.77%	66.39%	75.36%
2023-09-30	153	33.57%	49.53%	56.61%	62.88%	70.93%
2023-06-30	154	33.80%	49.59%	56.55%	62.89%	72.37%
2023-03-31	156	33.64%	49.81%	56.06%	62.83%	73.24%
2022-12-31	154	35.99%	47.22%	55.31%	60.93%	69.02%
2022-09-30	155	35.57%	47.10%	55.84%	61.77%	70.91%
2022-06-30	156	35.95%	47.48%	57.72%	64.22%	71.39%
2022-03-31	158	37.35%	49.52%	58.53%	66.99%	76.06%
2021-12-31	160	37.19%	48.54%	58.13%	63.89%	70.58%
2021-09-30	162	37.14%	48.55%	57.40%	63.05%	70.55%
2021-06-30	160	37.02%	48.83%	57.48%	63.14%	70.41%
2021-03-31	155	37.81%	48.85%	57.19%	63.35%	70.46%
2020-12-31	149	37.52%	48.95%	58.45%	66.07%	76.81%
2020-09-30	148	37.45%	47.94%	57.18%	64.14%	74.68%
2020-06-30	145	35.86%	49.42%	57.65%	64.13%	74.22%
2020-03-31	139	38.73%	50.47%	58.14%	67.25%	75.41%
2019-12-31	139	37.79%	48.69%	56.28%	63.27%	70.79%
2019-09-30	141	37.65%	47.94%	55.69%	63.07%	69.38%
2019-06-30	140	37.73%	48.03%	55.28%	62.50%	69.57%
2019-03-31	139	34.63%	46.30%	55.28%	63.20%	69.94%
2018-12-31	136	37.61%	48.95%	57.62%	63.07%	68.70%
2018-09-30	137	38.23%	48.69%	58.13%	62.73%	68.56%
2018-06-30	133	40.43%	48.95%	58.31%	64.13%	68.93%
2018-03-31	131	40.83%	50.16%	58.69%	65.39%	68.46%
2017-12-31	121	36.05%	49.88%	60.45%	65.50%	72.11%
2017-09-30	123	38.06%	49.94%	59.94%	65.04%	70.56%
2017-06-30	118	36.75%	48.51%	60.49%	65.79%	70.73%
2017-03-31	115	35.62%	49.45%	62.01%	67.00%	72.71%
2016-12-31	111	35.93%	51.07%	61.35%	67.64%	72.09%
2016-09-30	111	36.67%	51.93%	60.98%	67.83%	72.23%
2016-06-30	109	37.93%	53.20%	61.85%	69.07%	73.65%
2016-03-31	107	36.19%	53.15%	62.21%	69.47%	73.89%

Institution drilldown

Highest reported values

Institution drilldown

Lowest reported values

#1037CHARLES SCHWAB BANK SSB17.57%
#1038BMW BANK OF NORTH AMERICA17.13%
#1039SMBC MANUBANK16.50%
#1040SQUARE FINL SERVICES INC15.44%
#1041CHARLES SCHWAB PREMIER BK SS14.86%
#1042WELLS FARGO BANK S CNTL NA14.50%
#1043GREENE CNTY COMMERCIAL BANK10.91%
#1044AMERIPRISE BANK FSB10.07%
#1045BEAL BANK USA6.02%
#1046WELLS FARGO TRUST CO NA3.88%

Institution discovery

Search verified rankings by quarter

1,046 matched institutions · selected period 2026-06-30

Reporting quarterBank name or FDIC certificateOrder

Rank	Institution	FDIC	Value	Percentile
#1	EREBOR BANK N A	59378	211.95%	P100
#2	ADIRONDACK BANK	28380	151.25%	P100
#3	INTERCREDIT BANK NA	25258	116.89%	P100
#4	BLUE FOUNDRY BANK	30052	111.83%	P100
#5	EVOLVE BANK&TRUST	1299	105.44%	P100
#6	FEDERAL SAVINGS BANK	35518	99.72%	P100
#7	BALLSTON SPA NATIONAL BANK	6959	98.05%	P99
#8	UNITED TEXAS BANK	26626	96.52%	P99
#9	STELLAR BANK	58629	96.31%	P99
#10	TEXAS EXCHANGE BANK	20099	95.17%	P99
#11	FIRST FED BANK	28405	94.71%	P99
#12	BRENTWOOD BANK	27943	94.30%	P99
#13	MIZUHO BANK USA	21843	93.09%	P99
#14	GREEN DOT BK DBA BONNEVILLE	22653	92.51%	P99
#15	FIDELITY BANK	28316	91.78%	P99
#16	SUNRISE BANKS NATIONAL ASSN	18561	90.39%	P99
#17	SACO&BIDDEFORD SVG INST	17743	90.27%	P98
#18	MAPLEMARK BANK	3182	90.23%	P98
#19	FLAGSTAR BANK NATIONAL ASSN	32541	89.89%	P98
#20	BLUE RIDGE BANK NA	35274	89.77%	P98
#21	PIEDMONT FSB	27619	89.31%	P98
#22	CORNERSTONE CAPITAL BANK SSB	1213	89.00%	P98
#23	TEXAS REGIONAL BANK	26906	88.84%	P98
#24	NEWBURYPORT FIVE CENTS SB	90251	88.78%	P98
#25	LINCOLN SAVINGS BANK	14207	88.32%	P98
#26	PRESIDENTIAL BANK FSB	32363	87.91%	P98
#27	FIRST FS&LA OF LAKEWOOD	29488	87.56%	P98
#28	BMO BANK NATIONAL ASSN	16571	86.79%	P97
#29	IXONIA BANK	12514	86.70%	P97
#30	PATRIOT BANK NATIONAL ASSN	33928	86.53%	P97
#31	TBK BANK SSB	23498	86.45%	P97
#32	ROSEDALE BANK	29613	85.20%	P97
#33	ENCORE BANK	34562	85.16%	P97
#34	UNIVERSITY BANK	14587	85.16%	P97
#35	BAYCOAST BANK	90196	84.79%	P97
#36	FIRST NATIONAL BANK TEXAS	3285	84.51%	P97
#37	PEOPLES BANK	29523	84.38%	P97
#38	PENTUCKET BANK	90208	84.38%	P96
#39	PLAINS COMMERCE BANK	1678	84.16%	P96
#40	OLYMPIA FS&LA	28599	84.04%	P96
#41	MASCOMA BANK	18013	83.92%	P96
#42	DART BANK	5033	83.72%	P96
#43	HOME FEDERAL BANK OF TN	29683	83.69%	P96
#44	FARMERS BANK FRANKFORT IN	12828	83.67%	P96
#45	CORNERSTONE BANK	90282	83.52%	P96
#46	FALL RIVER FIVE CENTS SB	23286	83.45%	P96
#47	UNITED BUSINESS BANK	57716	83.28%	P96
#48	RIVERVIEW BANK	29922	83.17%	P96
#49	BLUESTONE BANK	90169	83.08%	P95
#50	BANGOR SAVINGS BANK	18408	83.04%	P95

Related metrics

Other definitions from the same schedule or domain

Grouped by shared source schedule where derivable, otherwise by the same analytical domain — not a claim of statistical correlation.

Reported values and deterministic derived observations are research inputs, not ratings or predictions. Cohort composition changes over time; use peer reports for a controlled cohort comparison.